While the vast majority of insurance products on the market are available to everyone, some people have very different needs and expectations from their insurance policies. One example of this is a professional rally car driver, who would have difficulty being accepted for a number of regular insurance policies. Luckily however, there are a number of dedicated sports insurance (http://www.insurance64.co.uk/sports/general-sport-insurance/) contracts on the market, designed especially for professional sports people and others who are reliant on dangerous activities for their livelihood and well being. Some large insurance providers offer sports insurance as an add-on to their regular life and health policies, while other small independent operators also offer niche insurance policies for sports people and other people with unique needs.

Life insurance companies need to obtain higher premiums from people involved in dangerous sports such as rally car racing. Many life insurance firms will even deny coverage altogether, as the associated risks will be too much even for large premium policies. Because so many life insurance companies are unable to provide term life insurance to people involved in dangerous sports, other solutions need to be found for rally car drivers and other people in similar situations. Small insurance companies dedicated to the provision of sports insurance have become common in some parts of the world, and are able to better accommodate rally car drivers and other people in similar situations.

The rally car circuit is made up of a tight and well integrated group of people, with a number of professional drivers, managers, and maintenance teams all in an similar situation. Insurance is often organised at a team level, a competition level, and an industry level, so that drivers can obtain the insurance that they need. General liability and public liability insurance is taken out by event organisers, along with sports insurance contracts at the driver and team level. While it is never cheap or easy to find insurance when you are involved in dangerous sporting activities, the expansion of the sports and niche insurance markets around the world has given many people the opportunity to manage their risk and protect themselves and their livelihoods.